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35.9%APR (variable)
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Looking for the convenience of a credit card, even if you haven’t been eligible before? aqua Classic credit card gives you a very competitive rate of just 32.9% APR variable (Representative), making it even more attractive.

You could enjoy a sensible credit limit, manageable interest rates and ultimately, improve your credit rating.

As well as our lowest ever rate, the aqua Classic credit card gives you:

  • No annual fee
  • A MasterCard that’s accepted at more than 28 million places worldwide
  • An initial credit limit between £250-£1,200
  • No interest on purchases if you pay your balance in full and on time each month
  • SMS reminders so you need never miss a payment
  • Our UK-based, 24-hour customer helpline
  • Manageable monthly payments and flexible payment dates
  • Online account management

Great news, you’re nearly ready to apply for your aqua Classic credit card. Before you do, please read the information below which summarises the key product features.

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  • Representative 32.9% APR (variable)
Other APR's
  • APR’s (variable) 44.9% & 49.9%
Other Interest Rates Introductory Rate Monthly Rate Annual Rate
Purchases N/A 2.401% or 3.141% or 3.432% 32.94% or 44.94% or 49.92%
Cash Advances N/A 2.840% or 3.717% or 3.992% 39.95% or 54.95% or 59.95%
Balance Transfers N/A 2.401% or 3.141% or 3.432% 32.94% or 44.94% or 49.92%
We may apply the standard interest rate to transactions before the end of the special promotion period if in any month you do not make at least your minimum payment by the payment date or if you exceed your credit limit at any time.
Interest Free Period
  • Maximum 51 days for purchases if you pay the full balance shown on your previous and current statement on time.
  • There is no interest free period on balance transfers.
Interest Charging
We charge you interest on all transactions from the date we first charge the amount to your account. However, if you pay your total balance in full and on time each month, you will not be charged interest on your purchases. If you do not pay the total balance shown on your statement each month, we will add the interest charges to your next statement balance.
  From Until
Purchases Date debited to your account Paid in full
Cash Advances Date debited to your account Paid in full
Balance Transfers Date debited to your account Paid in full
Allocation Of Payments If you do not pay off your balance in full we will allocate your payments to balances with the highest interest rate before balances with lower interest rates. See section 2.2 of the terms and conditions for full details.
Minimum Repayment Each month in which you have a balance outstanding on your account you must repay an amount equal to the total of any interest, default sums plus 1% of the balance shown on your statement (minimum £5, or the full balance if less than £5)
Credit Limit
Minimum Credit Limit £250
Maximum Credit Limit Subject to status
Fees No Annual fee
Cash Advance 3% (£3 minimum)
Balance Transfer 3% (£3 minimum)
Copy Statement £5
Foreign Usage
Payment scheme exchange rate Indicative rates can be found at www.mastercard.com/global/currencyconversion/index.html
One or more of the following may apply:
Non-Sterling Transaction Fee 2.95%
Cash Fee 3% (£3 minimum)
Default Charges
Late Payment Fee £12
Over Limit Fee £12
Returned Payment Fee £12
Cost of Borrowing
Interest Explained - based on the representative APR for purchases as indicated above
We would not recommend paying only the minimum payment. Only making the minimum payment maximises the interest you will pay and length of time it will take to clear your balance, as highlighted in the example below.
Illustrative example For a purchase of £1,000 on your credit card...
Monthly Payment Minimum Payment each month £50 each month
Taking into account any introductory rates, how much interest will you be charged in the first year £276.00 £251.00
How much interest will you be charged in the second year? £244.00 £136.00
How long would it take to clear the balance? 19 years 9 Months 2 years, 6 months

As we treat all our customers and their applications on an individual basis, the APR and interest rates we offer are determined by the details customers supply, along with an independent verification of credit and repayment history. Your personal APR for purchases will be either 32.9% APR (variable), 39.9% APR (variable), 44.9% APR (variable) or 49.9% APR (variable). Your interest rate for balance transfers will be the same as for purchases. 51% of customers are offered our best rate of representative 32.9% APR (variable).

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Representative example:

Your interest rate for
purchases is
35.94% p.a.
with a representative
35.9% APR (variable)
if you borrowed
and repaid it over 12 months

Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively and form part of the NewDay group of companies. The registered office for these companies is: First Floor, 11 Tower View, Kings Hill, West Malling, Kent ME19 4RL (until 31/10/2014), Two Pancras Square, London N1C 4AG (from 01/11/2014). NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority with numbers 0638085 and 0510571 respectively. NewDay Ltd is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services.  aqua is a trademark of NewDay Cards Ltd, which is used under licence by NewDay Ltd.